FEHB Premium Calculator
Compare Federal Employee Health Benefits plans and calculate your premiums as an active employee or retiree. See how costs change at retirement.
Coverage & Status
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Showing 14 plans for Self Only coverage (Active Employee)
| Plan Name | Carrier | Type | Coverage | Your Cost (Biweekly) | Monthly | Annual | At Retirement (Monthly) |
|---|---|---|---|---|---|---|---|
Kaiser Permanente - High Deductible Health PlanLowest Cost CA, CO, DC, MD, VA, HI, OR, WA | Kaiser Foundation Health ... | High Deductible Health Plan | Regional | $28.99 | $62.81 | $753.74 | $62.81 |
GEHA HDHP | Government Employees Heal... | High Deductible Health Plan | Nationwide | $29.94 | $64.86 | $778.31 | $64.86 |
UnitedHealthcare HDHP Multiple regions | UnitedHealthcare | High Deductible Health Plan | Regional | $31.09 | $67.35 | $808.21 | $67.35 |
Aetna HealthFund HDHP Multiple regions | Aetna Life Insurance Comp... | High Deductible Health Plan | Regional | $32.55 | $70.52 | $846.30 | $70.52 |
MHBP Value Option | Mail Handlers Benefit Pla... | Fee-for-Service | Nationwide | $33.72 | $73.06 | $876.72 | $73.06 |
FEP Blue Focus Multiple regions | Blue Cross Blue Shield As... | Health Maintenance Organization (HMO) | Regional | $36.47 | $79.01 | $948.16 | $79.01 |
Blue Cross Blue Shield Service Benefit Plan - Basic Option | Blue Cross Blue Shield As... | Fee-for-Service | Nationwide | $38.53 | $83.48 | $1,001.78 | $83.48 |
Aetna Direct CDHP Multiple regions | Aetna Life Insurance Comp... | Health Maintenance Organization (HMO) | Regional | $39.34 | $85.23 | $1,022.71 | $85.23 |
UnitedHealthcare Primary Multiple regions | UnitedHealthcare | Health Maintenance Organization (HMO) | Regional | $40.89 | $88.60 | $1,063.21 | $88.60 |
GEHA Standard Option | Government Employees Heal... | Fee-for-Service | Nationwide | $43.77 | $94.83 | $1,137.95 | $94.83 |
MHBP Standard Option | Mail Handlers Benefit Pla... | Fee-for-Service | Nationwide | $45.12 | $97.75 | $1,173.06 | $97.75 |
Kaiser Permanente - Standard Option CA, CO, DC, MD, VA, HI, OR, WA | Kaiser Foundation Health ... | Health Maintenance Organization (HMO) | Regional | $45.53 | $98.65 | $1,183.85 | $98.65 |
APWU Health Plan - High Option | American Postal Workers U... | Fee-for-Service | Nationwide | $46.60 | $100.97 | $1,211.60 | $100.97 |
Blue Cross Blue Shield Service Benefit Plan - Standard Option | Blue Cross Blue Shield As... | Fee-for-Service | Nationwide | $50.81 | $110.08 | $1,320.93 | $110.08 |
About FEHB Premiums
- • Active Employees: Government contributes up to 72-75% of premium
- • Retirees: Government contributes same percentage, but you see full premium impact
- • 2026 Maximum Government Contribution: Self Only: $324.76/biweekly, Self Plus One: $711.17/biweekly, Self & Family: $778.03/biweekly
- • Note: This is a sample of major carriers. Full OPM data includes ~300 plans
How FEHB Government Contribution Works
The government pays the lesser of: 72% of the weighted average premium across all plans, OR 75% of your specific plan's total premium. This means lower-cost plans get a better government subsidy percentage.
| Enrollment Type | Max Gov Contribution (Biweekly) | Max Gov Contribution (Monthly) |
|---|---|---|
| Self Only | $324.76 | $703.65 |
| Self Plus One | $711.17 | $1,540.87 |
| Self and Family | $778.03 | $1,685.73 |
2026 Update: Average enrollee share increased 12.3% — the second consecutive year of double-digit increases. Compare plans carefully during Open Season to find the best value. Read our complete 2026 FEHB Premiums guide for plan-by-plan breakdowns.
FEHB Plan Types Explained
PPO (Preferred Provider Organization)
Most popular. Use any doctor; lower costs with in-network providers. No referrals needed.
Best for: Flexibility with moderate cost savings
HMO (Health Maintenance Organization)
Lowest premiums. Must use network doctors and get PCP referrals for specialists.
Best for: Cost-conscious employees in areas with good HMO networks
HDHP (High Deductible Health Plan)
Lowest premiums, highest deductibles. Paired with HSA for triple tax advantage.
Best for: Healthy employees who want tax savings through HSA
Fee-for-Service (FFS)
Maximum flexibility. See any doctor, file claims for reimbursement.
Best for: Employees who want complete provider choice
The FEHB 5-Year Rule for Retirement
Critical Requirement
To continue FEHB into retirement, you must be continuously enrolled in FEHB (or TRICARE/CHAMPVA) for the 5 consecutive years immediately before your retirement date.
- • Start early: Enroll in FEHB at least 5 years before your planned retirement
- • No gaps allowed: Coverage must be continuous — even a 1-day gap can disqualify you
- • TRICARE counts: If covered by TRICARE or CHAMPVA, that time counts toward the 5 years
- • Spouse coverage: Being covered under a spouse's FEHB does NOT satisfy the requirement
2026 HSA Contribution Limits (HDHP Plans)
High Deductible Health Plans (HDHPs) pair with Health Savings Accounts (HSAs) for significant tax advantages.
2026 HSA Limits
- Self Only$4,400
- Family$8,750
- Age 55+ Catch-Up+ $1,000
HSA Triple Tax Advantage
- 1.Contributions reduce taxable income
- 2.Earnings grow tax-free
- 3.Withdrawals for medical expenses are tax-free
FEHB and Medicare at Age 65
When you turn 65, you become eligible for Medicare. Understanding how FEHB and Medicare work together is crucial for maximizing your coverage while minimizing costs.
How Coordination Works
- • FEHB continues regardless of Medicare enrollment
- • If enrolled in both: Medicare pays first, FEHB covers remainder
- • Many retirees switch to lower-cost FEHB plans at 65
- • FEHB does NOT reduce coverage if you don't enroll in Medicare
Medicare Part B Decision (2026)
- • Part B premium: $206.50/month
- • Part B is optional with FEHB coverage
- • Consider enrolling if: frequent healthcare needs, want maximum coverage
- • May skip if: healthy, prefer lower total costs
Strategy: At 65, consider switching to a lower-premium FEHB plan since Medicare handles most medical expenses. Use savings to cover Medicare Part B premium or invest the difference.
Learn More About FEHB
Understand plan types, the 5-year rule, retirement considerations, and Open Season strategies.